Plan Pointers and Record-Directive Form in Budgeted Verification of Inherited Agent Memory

Long-running conversational agents increasingly rely on a memory system to avoid resending the whole conversation each turn, yet how much that costs to serve has received little systematic benchmarking. We compare three memory systems (Mem0, Hindsight, and Mastra Observational Memory) against two reference strategies -- a fixed-size rolling window and resubmitting the full transcript -- across two backbones and conversations of up to 400 turns, pairing every cost measurement with answer accuracy on 665 LoCoMo questions. First, a memory system's serving cost cannot be predicted from conversation length and message size alone: a regression that tracks the two reference strategies closely misses the memory systems by 18-69%, their cost driven instead by internal memory behavior. Second, a break-even analysis shows that whether -- and when -- a memory system becomes cheaper to serve than the full transcript is highly sensitive to the system and the backbone, from the first tens of turns for the cheapest to never within 400 turns for the most expensive. Third, no system wins on both axes: accuracy spans 21-54%, and the backbone choice drives cost as much as the memory system does.

Memory-agent evaluations report fixed-snapshot accuracy or retrieval quality, but these scores do not show whether evidence remains usable as irrelevant sessions (sessions not annotated as task-relevant evidence for the query) accumulate. We present a scale-conditioned evaluation protocol for agent memory under evidence-preserving growth: for each query, task evidence is held fixed while irrelevant sessions are added. The protocol logs agent--memory trajectories and reports four diagnostics: budget-compliant reliability, tail memory-call burden, failure-regime decomposition, and the usable-scale boundary where reliability falls below the target. Applied to LongMemEval and LoCoMo across flat, planar, and hierarchical memory interfaces, the protocol shows reliability loss is not a single phenomenon. On LongMemEval, HippoRAG stays within the two-call budget but loses 16--20 percentage points in budget-compliant reliability as irrelevant sessions are added; LiCoMemory's observed failures depend strongly on the agent, with Qwen3-8B exceeding the budget while Qwen3-32B and Qwen3-235B remain reliable in the tested range. The result supports a framework for making scalable-memory claims conditional on agent, interface, scale range, and interaction budget.

Coding agents ship with one kind of memory: documents. Instruction files, plan artifacts, and auto-written memory directories are deliberately authored and deliberately retrieved: the agent must choose to write them and choose to read them back. Human expertise runs on a second tier that never gets written down: situationally-bound operational facts (gotchas, locations, local conventions) encoded as a side effect of the work and retrieved involuntarily when the situation cues them. We argue this second tier is the load-bearing one for long-running agents and must be a harness property, not an agent choice. We contribute: (1) a two-tier design theory grounded in the cognitive literature on memory offloading, incidental encoding, and event-based prospective memory, each mapped to an architectural requirement; (2) a cue-anchored memory model where memories carry first-class trigger conditions over a composable vocabulary (path, symbol, semantic, event, temporal), evaluated deterministically by the harness, a composition no surveyed academic or shipped system provides; (3) a controlled evaluation on a real coding task showing that voluntary memory use is near zero even with a pre-seeded store (0 memory operations in 114 turns), that deterministic injection delivered in every seeded run with zero false alarms, and that 39% of intra-session re-reads re-buy content paid for before a compaction boundary; (4) a repeated-compaction decay probe: ten facts held only in conversation vanish at the first summary and stay absent from 106 of 108 compactions, and the deprived agent greps the harness's own session files to rebuild them, while the same facts injected from a harness-owned store arrive intact through all 138 compact-resumes as the final summary carries none. Delivery, not storage, is the product: the reliable memory channel for agents is the one the agent never has to think about.